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I am wondering what experience you guys have had replacing group insurance with IFP for small groups? Several years ago I did write for Pioneer and we were required to get a signed statement from each employee that stated that they understood that this was not group coverage. I believe it also stated that Federal mandates did not apply. I am considering offering GR to a small group inasmuch as their group plan has gone through the roof in premiums. This situation is in PA, so some requirements maybe didfferent than from other states.